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July Market Commentary

Category: Market commentary & Uncategorized

June saw the G8 summit taking place in Northern Ireland – but amid the talk of recession, tax evasion and the cost of the security, it was the fate of two men that stole the headlines.

American hero – or whistleblower, depending on your stance – Edward Snowden was holed up, first in Hong Kong and then in the departure lounge at Moscow airport, having revealed the full extent of NSA surveillance of American citizens.

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Income tax higher rate threshold changes

Category: Tax & Uncategorized

Changes by the Government to the ‘higher rate threshold’, which is the level of income after which taxpayers begin to pay the 40 per cent higher rate of tax, mean that it will increase by 1 per cent, for 2014/15 and 2015/16 to £41,865 and £42,285 respectively.

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The single-tier state pension

Category: Economy & pensions & Uncategorized

In April 2013, the Government published plans to reform the current state pension into a simple Single-Tier Pension (STP), which subject to the agreement of Parliament, will be in place for people retiring after the 6th April 2016. If you reach State Pension age before that date you will receive your state pension in line with existing rules.

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Retire or work on?

Category: pensions & savings & Uncategorized

Figures released by the Office of National Statistics (ONS) in June 2013 show that there are now more than one million over 65s continuing to work and earn after passing their anticipated point of retirement. This is the highest number since the ONS started collating this data in 1971.

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Transfer of Child Trust Fund savings into Junior ISAs

Category: isas & savings & Uncategorized

Since Child Trust Funds (CTFs) were phased out in 2011, parents and the savings industry have lobbied the government to allow the money held in them to be transferred into the Junior ISAs that superseded them. The ISA market is seen as having far more choice and, where the money is held in a savings account, often offers better rates.

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